CENTURY 21 Edge
$1,169,900$1,175,0004 bd4.5 ba3,206 sqft$365 /sqft≈$7,929 /mo all-in ↓

2712 W GRAY STREET, TAMPA, FL, 33609

Active20 days on marketListed Sep 23, 2026MLS #TB8549047

✦ Reduced $5KSingle Family ResidenceTERRA NOVA REV MAP

About this home

2712 W GRAY STREET

$10,000 SELLER CREDIT AT CLOSING! Use it toward closing costs or a rate buydown on a fixed or adjustable-rate mortgage! Welcome to 2712 W Gray St, a beautifully upgraded 2016 turn-key home offering an exceptional combination of space, style and location. Filled with natural light, this 4-bedroom, 4.5-bathroom residence features more than 3,200 square feet of thoughtfully designed living space, a two-car garage and a rare floor plan with an ensuite bathroom and walk-in closet in every bedroom. A charming exterior and paver driveway lead into a spacious foyer, where the home immediately feels bright and inviting. The open-concept living and dining areas are enhanced by crown molding and plantation shutters that extend throughout the first floor. At the heart of the home, the designer kitchen features a large center island, breakfast bar, 42-inch solid wood custom cabinetry, granite countertops, new stainless steel appliances, dual sinks including a dedicated chef’s prep sink, a wine refrigerator and a generous walk-in pantry. French doors connect the kitchen directly to the covered lanai, creating a seamless flow for outdoor dining and entertaining. The large first-floor primary suite features tray ceilings, two custom walk-in closets and its own set of French doors opening directly to the backyard. The ensuite bathroom includes dual vanities, a soaking tub and a large walk-in shower. An oversized laundry room with shelving and a utility sink completes the first floor. Upstairs, brand-new wood flooring creates a warm and elevated feel throughout. Each of the three generously sized bedrooms includes its own ensuite bathroom and walk-in closet, providing exceptional comfort and privacy. The massive landing at the top of the stairs serves as a true second living area with room for a media lounge, playroom, home office, fitness space or a combination of uses. Step outside to a newly transformed backyard featuring custom pavers, low-maintenance turf and a covered lanai that creates the perfect setting for entertaining, dining outdoors or simply relaxing. A whole-home natural gas generator, impact windows, and the home’s location in Flood Zone X provide added comfort and valuable peace of mind. The extensive upgrades completed in 2025 include a new whole-home HVAC system, natural gas generator with prepaid extended service contract, custom backyard pavers and turf, fresh interior and exterior paint, new kitchen appliances, new flooring throughout the second level, and home tenting that comes with a transferable seller-paid warranty through 2027. Located within the highly sought-after Mitchell, Wilson and Plant school district, the home is just blocks from the JCC Fitness Center, Vila Brothers Park, and the newly developed Rome Collective, offering a growing collection of restaurants and retail. Hyde Park, Downtown Tampa and Tampa International Airport are all approximately 5 to 12 minutes away. With its spacious floor plan, extensive upgrades and exceptional central Tampa location, 2712 W Gray Street is completely move-in ready and designed to be enjoyed from day one.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

3,206

Sqft

0.13 ac

Lot size

2

Garage

2016

Year built

Two

Levels

$365

Per sqft

City viewNegotiable

Inside

FlooringEngineered Hardwood · Tile
AppliancesCooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewCity
FacesNorth
ExteriorFrench Doors · Garden · Irrigation System · Private Mailbox · Private Yard · Rain Gutters · Sidewalk

Community & fees

Taxes (2025)$12,215/yr

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,929 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,313
PMI (est., until 20% equity)$439
Property tax — 2025 actual bill$1,018
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $116,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $116,990
Interest rate6.00%
Loan term

Estimated payment

$7,929/mo

Principal & interest$6,313
PMI (est., until 20% equity)$439
Property taxes (actual bill)$1,018
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $1.2M
$995KedgeAI estimate $1,101,964 · range $1.0M–$1.1M$1.2M

vs edgeAI estimate

+6.2%

$/sqft vs Tampa actives

$365 vs $283

Days on market

20 vs 64 typical

Where $365/sqft sits among the 400 Tampa actives

240
94 · this home
22
12
7
25
$147–317$317–487$487–657$657–827$827–997$997+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Armory Gardens

Drive times from this address

Downtown Tampa≈ 6 min
Tampa Int’l Airport (TPA)≈ 13 min
Walt Disney World≈ 73 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Tampa. See the full Tampa guide →

Armory Gardens — neighborhood snapshot

Population

1,373

Median age

39

Median income

$76,033

Median home value

$458,328

Avg household

2

Households w/ children

131

For the school run

Hillsborough County School District

ElementaryWest Tampa Elementary School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★
HighJefferson High School★★★★★
MiddleMadison Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tampa market

Seller’s marketLeans seller — 4.1 months of inventoryBuyer’s market

$413K → $430K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

225 of 400

Tampa actives have cut their price

Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 134% above the TAMPA 33609 median. See the full Tampa market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,169,900 ▼ $5K
Sep 23, 2026Listed at $1,175,000 · 20 days on market since
2016Built · TERRA NOVA REV MAP

Reality check

What actually sold near 2712 W GRAY STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2702 W GRAY STREET UNIT ASold · Feb ’26

$640,000

2702 W GRAY STREET UNIT A · same community

3 bd · 2.5 ba · 2,104 sqft · $304/sqft · 40 DOM

2407 W NORTH B STREET UNIT 2Sold · Feb ’26

$725,000

2407 W NORTH B STREET UNIT 2 · same community

3 bd · 2.5 ba · 2,000 sqft · $363/sqft · 98 DOM

2504 W NORTH A STREETSold · Nov ’25

$1,275,000

2504 W NORTH A STREET · same community

7 bd · 6 ba · 4,932 sqft · $259/sqft · 96 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Kevin Johnson

Your agent

Kevin Johnson

CEO & Managing Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 2712 W GRAY STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2712 W GRAY STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2712 W GRAY STREET FAQs

What would the monthly payment be for 2712 W GRAY STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,929/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 2712 W GRAY STREET?+

The most recent tax bill on record (2025) was $12,215. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Tampa?+

At $1,169,900, this home is listed about 169% above the Tampa median of $435,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2712 W GRAY STREET?+

West Tampa Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Jefferson High School (high), Madison Middle School (middle) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,169,900 runs 134% above the TAMPA 33609 median — but at 3,206 sqft it's also nearly twice the size of the typical Tampa listing.

02City views

The city view is part of what you're buying — views hold value independently of the structure.

03The price has already moved

Listed at $1,175,000, now $1,169,900 — a $5K cut. The full history is in the market section below.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Ryan Newton-Block. MLS #TB8549047.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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